Don't Know Where To Turn

JUSTIN_DEBT_2

MY PTNR & I BOTH WORK FULL TIME BUT STRUGGLING TO PAY CREDIT CARD BILLS. DON'T KNOW IF WE SHOULD GO THROUGH I.V.A. OR DECLARE OURSELVES B/R..........NOW IGNORING PHONE....... I WOULD APPRECIATE ANY ADVICE.:eek:

debsue

You need to post a SOA so that the good people on here can offer help.



and turn the caps off x

golddigger_3

You are in the right place - don't panic! As debsue said - just post your Statement of Affairs asap and then you will get some advice on where to start cutting back/ moving things around etc.
Its not as bad as it might seem.

smashedbooboo

Hi hun and welcome. Please dont panic. Just post up your SOA, And include the apr on all your cards. Who are phone calls coming from. And how far behind are you with the cards. Are there any late payment or over limit fees on your cards. If you can let us have this info then we will be able to give you a lot more advice hun.

JUSTIN_DEBT_2

smashedbooboo wrote: »

Hi hun and welcome. Please dont panic. Just post up your SOA, And include the apr on all your cards. Who are phone calls coming from. And how far behind are you with the cards. Are there any late payment or over limit fees on your cards. If you can let us have this info then we will be able to give you a lot more advice hun.

PHONE CALLS ARE FROM ALL MAJOR CREDIT CARD COMPANIES. WE HAVE RANG MOST OF THEM AND ASKED TO GO ON PAYMENT PLANS BUT STILL UNABLE TO MEET PAYMENTS THAT THEY ARE ALL REQUESTING. WE HAVE A MORTGAGE BUT NO EQUITY IN PROPERTY....... SHOULD WE GO FOR AN I.V.A OR DECLARE OURSELVES B/R?

smashedbooboo

NO NOT YET. Please, post up your SOA. It is really crucial to sorting this out. You may not have to do either. Honestly if there is a way to sort this then it is on here. But we need to know everything. Inside leg measurments if needs be. We cant give you the advice you need without it. and well done for knowing you have a problem. This is the first step to sorting things out.

JUSTIN_DEBT_2

smashedbooboo wrote: »

NO NOT YET. Please, post up your SOA. It is really crucial to sorting this out. You may not have to do either. Honestly if there is a way to sort this then it is on here. But we need to know everything. Inside leg measurments if needs be. We cant give you the advice you need without it. and well done for knowing you have a problem. This is the first step to sorting things out.

THANKS.......BUT HOW DO I SEND A PRIVATE MESSAGE?

smashedbooboo

ok, click on my name on one of my messages. then it will come up with send private message . Click on that and away you go hun

liz105

Put your SOA up on this thread. Read through Southernscousers sticky at the top of the board and please stop writing in capitals, it looks as though you are shouting.

smashedbooboo

Hi liz. I used to live in wesr sussex. Had a pub down there. Arundel

rog2

I know it sounds easy, but try not to panic. It's debt not murder.
The endless phone calls definitely don't help the situation, but you can take some interim steps to try and stop them:
Go to the National Debtline website (there are links at the top of the page - for free debt counselling services) The National Debtline have a series of template letters, one of which is a general letter telling your creditors that you are experiencing problems, and asking them to hold any action for a month, whilst you take professional advice.
Before looking at bankruptcy, there are many other possible solutions, which will be more apparent when you have posted your SOA.
You can also talk to CCCS or PAYPLAN - they are debt-counselling charities and their advice is free. Again there are links at the top of the page.
Good Luck.